How much stamp duty on a $850,000 property in Newcastle, NSW?

Approximately $32,662 stamp duty plus $374 government fees. Funds to complete at 20% deposit: $203,036; at 10% deposit: $118,036 (LMI typically applies at 90% LVR).

Do first home buyers pay stamp duty in NSW?

Standard rates apply unless FHB eligibility criteria are met.

NSW stamp duty

Stamp Duty — Newcastle, NSW

Newcastle has a median property price around $850,000. Stamp duty on an owner-occupied purchase in NSW is approximately $32,662. Funds to complete at 20% deposit: $203,036.

Estimate at median price

Property value: $850,000
Deposit (20%): $170,000
Stamp duty: $32,662
Government fees: $374
Funds to complete (20%): $203,036
At 10% deposit: $118,036 · LMI typically applies

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StateProperty value

Deposit

First home buyerOwner-occupierNew buildForeign purchaser

Deposit (20%): $170,000
Stamp duty: $32,662
Government fees: $374
Funds to complete: $203,036
Loan $680,000 · LVR 80%: No LMI typically

LVR ≤ 80% — LMI not typically required.

Estimate only. Verify stamp duty with the relevant state revenue office. LMI premiums are lender-specific and not included in cash funds to complete (usually capitalised). 5% Deposit Scheme eligibility must be confirmed with a participating lender and Housing Australia postcode caps.

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